Garden Grove, CA · Charter 8612
Q3 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.58% | -1.77% | -3.68% | -1.42% | -0.04% | +54 bps | |
| Return on Equity | -7.80% | -26.71% | -58.11% | -20.48% | -0.49% | +732 bps | |
| Net Interest Margin | 2.95% | 3.12% | 3.44% | 3.32% | 3.56% | +61 bps | |
| Efficiency Ratio | 130.83% | 136.71% | 200% | 127.02% | 92.52% | -3,831 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.59% | -3.64% | -9.88% | -12.10% | -22.99% | -2,657 bps | |
| Loan Growth (YoY) | -22.32% | -18.20% | -13.31% | -13.48% | -11.54% | +1,078 bps | |
| Share Growth (YoY) | 3.39% | -2.81% | -8.14% | -10.68% | -22.48% | -2,587 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.68% | 1.11% | 0.08% | 0.11% | 1.41% | -627 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.36% | 0.96% | 1.18% | 1.12% | 1.18% | +82 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.38% | 6.63% | 6.33% | 6.94% | 7.97% | +60 bps | |
| Net Worth / Assets | 7.38% | 6.63% | 6.33% | 6.94% | 7.97% | +60 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 42.54% | 47.52% | 50.53% | 46.06% | 48.54% | +600 bps | |
| Liquid Assets / Assets | 20.84% | 27.70% | 26.71% | 30.22% | 17.19% | -365 bps | |